Uninsured or Underinsured Motorist Claims
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Most drivers are less concerned with their own abilities to navigate NJ’s highways and more worried about the other drivers on the road. Whether the other guy is an attentive driver or more concerned with his cell phone, car accidents cause serious injuries and vehicle damage. Moreover, accident damage – both personal and property damage – can be extremely costly.
If you’ve been injured in an accident that was caused by an underinsured or uninsured motorist, you will have to fight for financial compensation to repair your vehicle and medical bills. Talk to the experienced Scotch Plains, NJ personal injury lawyers at Bramnick, Rodriguez, Grabas, Arnold & Mangan, LLC. We will answer your questions and determine how we can protect your rights.
In the state of NJ, motorists are required to have a minimum amount of motor vehicle insurance for all cars, trucks, vans, motorcycles, etc. Every state in the US has its mandates regarding motor vehicle insurance; New Jersey’s laws are particular strict. All drivers must have a minimum amount of liability insurance: $15,000 per person for bodily injury, $30,000 for all victims of one accident and $5,000 for damage incurred to property in that incident. Remember, 15/30/5 is the minimum amount of coverage a driver must have to lawfully drive a vehicle in the state.
Unfortunately for many, NJ is also home the highest car insurance rates in the nation. Therefore, not all drivers can afford to carry the minimum amount of liability insurance but drive illegally because they need to commute to work, drive to doctor’s appointments and other venues. Others drive without any insurance at all.
At the end of the day, whether the driver who caused your accident is underinsured or completely without vehicle insurance, damages resulting from a severe accident will far exceed even the minimum liability coverage. In other words, if you get hurt in an accident where the driver of the other vehicle only has the minimum liability coverage, it’s unlikely $15,000 will cover your medical bills.
This is why all NJ drivers should carry UM/UIM coverage. In fact, in line with New Jersey’s other strict guidelines regarding auto insurance, New Jersey drivers are required to carry UM/UIM coverage that at least equals the liability insurance they have on their own vehicle.
When it comes to dealing with insurance companies, nothing happens quickly. This is especially true when you are trying to get them to take responsibility and pay at-fault claims. Further, if proper procedures aren’t followed when making UIM/UM claims, your case can be dismissed.
Our lawyers have been extremely successful representing motorists in UM/UIM cases. We will negotiate with the insurance company on your behalf, represent you in non-binding arbitration in an effort to settle the case and, when necessary, we will defend your rights in court.
Whether you’ve been injured in a car accident, truck accident, or motorcycle accident, an experienced personal injury attorney can help you. Contact the experienced UIM/UM lawyers at Bramnick, Rodriguez, Grabas, Arnold & Mangan, LLC about your case. We can explain your rights and mount a case on your behalf to help you get compensated for your injuries and property damage. We don’t back down to insurance companies and we will work tenaciously for a successful outcome in your case.